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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $24,506 | $72,273-66.1% | $101,275-75.8% | $79,856-69.3% |
| Participation rate | 65.9% | 68.5%-2.6pp | 75.8%-10.0pp | 69.6%-3.8pp |
| Annual return | 5.50% | 22.30%-16.8pp | 46.48%-41.0pp | 31.71%-26.2pp |
| Employer contribution / active EE | $330 | $2,691-87.7% | $3,660-91.0% | $2,471-86.6% |
| Participant deferral / active EE | $1,474 | $3,282-55.1% | $4,371-66.3% | $3,741-60.6% |
| Admin fee / account holder | $463 | $4,401-89.5% | $5,948-92.2% | $5,306-91.3% |